IBDQ vs VTI
iShares iBonds Dec 2025 Term Corporate ETF vs Vanguard Morningstar Total Stock Market ETF
Which is better, IBDQ or VTI?
VTI has been ahead.
VTI has a lower expense ratio. VTI led over 1Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | IBDQ | VTI |
|---|---|---|
| Expense Ratio | 0.10% | 0.03%Best |
| AUM | $2.3B | $666.9B |
| Dividend Yield | 3.75% | 1.03% |
| Holdings | 21 | 3,543 |
| Volatility (annualized) | 4.1%Best | 15.5% |
| Max Drawdown | -15.2%Best | -35.0% |
| $10,000 over 10.8 years | $14,185 | $33,517Best |
| Fund Family | iShares by BlackRock (US) | Vanguard (US) |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Blend |
| Inception | Mar 11, 2015 | May 24, 2001 |
Not shown on this pair: YTD Return, 1Y Return, 3Y Return (annualized), 5Y Return (annualized), Top 10 Weight.
The two price series end 270 days apart, so a return over any period would be measuring two different stretches of market. Those rows are withheld. IBDQ has data through Dec 15, 2025 and VTI through Sep 11, 2026.
Volatility and max drawdown, and the $10,000 over 10.8 years row, are measured over the window both funds cover: Mar 12, 2015 to Dec 15, 2025 (10.8 years).
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.5% compared with 4.1% for IBDQ. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -15.2% for IBDQ and -35.0% for VTI. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.48. They move together some of the time, and apart the rest.
Fees and Cost Over Time
IBDQ charges 0.10% per year while VTI charges 0.03%. On a $10,000 position that is $10 vs $3 annually, a gap of $7 per year that compounds over a long holding period. On income, IBDQ currently yields 3.75% against 1.03% for VTI.
Holdings Overlap
We hold position weights for 20 holdings in IBDQ and 2,787 in VTI, totalling 100.2% and 90.6% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
The two holdings books were reported 214 days apart, IBDQ as of Nov 28, 2025 and VTI as of Jun 30, 2026, so some of the difference between them is the time between the two reports rather than the funds.
0 positions in common, counted across the 20 positions we hold weights for in IBDQ and 2,787 in VTI, against full books of 21 and 3,543.
You are not choosing between two funds in isolation.
Whichever of IBDQ and VTI you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, IBDQ or VTI?
IBDQ has an expense ratio of 0.10% while VTI charges 0.03%. VTI is the cheaper option, by $7 a year on a $10,000 investment.
Which is riskier, IBDQ or VTI?
VTI has been the more volatile fund at 15.5% annualized versus 4.1% for IBDQ. Worst drawdown: IBDQ -15.2% vs VTI -35.0%.
Should I hold both IBDQ and VTI?
IBDQ and VTI have a monthly-return correlation of 0.48, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, IBDQ or VTI?
IBDQ yields 3.75% while VTI yields 1.03%, so IBDQ currently pays the higher dividend yield.
Is VTI better than IBDQ?
VTI has a lower expense ratio. VTI led over 1Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.